Trends and Cases in Finance — MCQ প্রশ্ন

মাস্টার্স ব্যবসায় প্রশাসন — MBA প্রশ্নব্যাংক · Trends and Cases in Finance। এই অধ্যায়ে মোট 77টি প্রশ্ন আছে। নিচে প্রথম 10টি প্রশ্ন ও অপশন দেওয়া হলো; সঠিক উত্তর সার্ভারে যাচাই হয়।

এই অধ্যায়ে সব প্রশ্নে অনুশীলন করুন

1. Which option blocks the poor to get bank loans?

   1. Absence of collateral
   2. High rates of interest
   3. Complexity of procedure
   4. None of the above

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2. Which of the following takes the decisions regarding loans and savings in a self-help group (SHG)?

   1. Government
   2. Non-government organisation
   3. Bank
   4. Group members

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3. The informal sector loans incorporate _______ .

   1. State Bank of India
   2. Moneylenders
   3. NABARD
   4. Both (A) and (B)

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4. A small loan amount given to low-income households or groups is known as ________ .

   1. Cash credit
   2. Micro credit
   3. Rural credit
   4. Simple credit

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5. What is NOT an innovation likely to explain the high repayment rates of microcredit programs?

   1. Promising larger and larger loans for borrowers in good standing
   2. Public repayments
   3. Strong competition between numerous microcredit programs to reduce interest rates
   4. Starting repayments before investments are likely to have borne fruit

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6. What is NOT a potential limit of group lending?

   1. Monitoring group members can be costly for borrowers
   2. Group lending uses social sanctions instead of collateral foreclosure
   3. Group lending brings added risks for borrowers, those of others members’ default.
   4. Exclusion of all group members after one of them default is too harsh a punishment.

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7. What is TRUE of group lending clause?

   1. Dealing with groups instead of individuals reduces transaction costs for the bank
   2. Group arrangements teach the bank a great deal about who is safe and who is risky
   3. Group lending reduces inequality between borrowers: all benefit from the same interest rate
   4. Group loans are always cheaper than individual loans

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8. What is NOT a source of difficulty in the estimation of the impact of microfinance projects?

   1. we do not observe what would have happened in absence of the microfinance project
   2. participants systematically differ from non participants in their propensity to benefit from micro-loans
   3. microfinance programs are not located randomly, they are often located in disfavoured areas
   4. microfinance programs are often targeted to women

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9. What does the microfinance model Not predict:

   1. A decrease interest rates when repayment is regular & in time
   2. Homogeneous risk groups
   3. Self-selection of best borrowers
   4. None of the above

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10. What is not a mechanism that contributes to the success of Micro- credits?

    1. Dynamic incentives
    2. Peer monitoring
    3. Regular payment schedules
    4. Collaterals

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